Healthcare Leveraged Finance Wholesale Credit Risk- Associate

Job responsibilities: Manage and monitor a portfolio of client and credit exposures across the United States healthcare industry Track exposure across loans, revolving facilities, term loans, letters of credit, asset-based lending facilities, and derivatives to support compliance with limits, covenants, and internal risk appetite Perform scenario analysis and stress testing on leverage, liquidity, and cash flow resilience Develop independent credit opinions and recommendations based on client performance and transaction structure Build and review pro forma capital structures and cash flow projection models to assess debt capacity, deleveraging, interest coverage, liquidity, and covenant headroom Lead credit due diligence for clients and capital markets transactions, including coordinating third-party reports, management meetings, and site visits Coordinate with Payments, Payments Risk, and Implementation teams to align product structures, collateralization and guarantees, and documentation with credit appetite Partner with Global Corporate Banking Coverage, Debt Capital Markets, Investment Banking Coverage, and Payments teams to deliver integrated client solutions Maintain ongoing credit monitoring and documentation awareness, including exposure, compliance status, and credit research Required qualifications, capabilities, and skills: Bachelor's degree Completion of a major corporate bank credit training program or equivalent credit risk experience Minimum of 3 years of related experience in credit risk, leveraged finance, or corporate finance Strong accounting and corporate finance skills, including demonstrated analytical and financial modeling ability Proficiency in Microsoft Excel, PowerPoint, and Word, with the ability to produce concise, decision-ready materials Strong verbal and written communication skills, with the ability to collaborate effectively and perform under pressure Preferred qualifications, capabilities, and skills: Master of Business Administration (MBA) or Chartered Financial Analyst (CFA) designation Familiarity with rating agency methodologies and stress testing practices Experience with asset-based lending structures, borrowing base analysis, and collateral due diligence Knowledge of loan and derivatives products, documentation, and structuring Experience negotiating legal documents associated with credit products Familiarity with borrowers operating in the healthcare industry This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.